Savings Rates | GIC/GIA: 1 to 6 years (Registered)

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Sorted by: Payment Frequency in descending order (Click on a column heading to sort up or down)
Financial Institution Compound Frequency Payment Frequency Redeemable Minimum Deposit Term in Years
1 2 3 4 5 6
Laurentian Bank Canada Not compounded Semi-annually no 500 0.650 0.850 0.900 1.050 1.350 1.350
Laurentian Bank Canada Not compounded Semi-annually yes 500 0.300 0.500 0.650 0.800 1.000 -
Laurentian Bank Canada Not compounded Quarterly no 500 0.650 0.850 0.900 1.050 1.350 1.350
Great-West Life Not compounded Monthly no 500 0.850 0.900 1.150 1.350 1.500 1.650
Great-West Life Not compounded Monthly no 25,000 0.850 0.900 1.150 1.350 1.500 1.650
Great-West Life Not compounded Monthly no 50,000 0.850 0.900 1.150 1.350 1.500 1.650
Great-West Life Not compounded Monthly yes 500 0.850 0.900 1.150 1.350 1.500 1.650
Great-West Life Not compounded Monthly yes 25,000 0.850 0.900 1.150 1.350 1.500 1.650
Great-West Life Not compounded Monthly yes 50,000 0.850 0.900 1.150 1.350 1.500 1.650
Laurentian Bank Canada Not compounded Monthly yes 500 0.300 0.250 0.400 0.550 0.750 -
Laurentian Bank Canada Not compounded Monthly no 500 0.550 0.600 0.650 0.800 1.100 1.100
Outlook Financial Not compounded Monthly yes 1,000 1.750 1.950 2.100 2.250 2.400 -
ATB Financial Annually At maturity no 500 1.350 1.500 1.600 1.800 2.000 -
ATB Financial Semi-annually At maturity yes 500 0.100 0.100 0.100 0.100 0.100 -
ATB Financial Annually At maturity yes 500 0.350 0.350 0.350 0.350 0.350 -
ATB Financial Semi-annually At maturity no 500 1.100 1.250 1.350 1.550 1.750 -
AcceleRate Financial Annually At maturity no 500 1.900 2.200 2.250 2.500 2.550 2.600
Achieva Financial Annually At maturity no 1,000 1.900 2.100 2.250 2.400 2.550 -
B2B Bank Annually At maturity no 1,000 1.460 1.950 2.100 2.160 2.460 -
BMO Bank of Montreal Annually At maturity no 250,000 0.850 1.050 1.150 1.250 1.500 1.500
BMO Bank of Montreal Annually At maturity yes 250,000 0.600 0.800 0.900 1.000 1.250 -
Bank of Nova Scotia Annually At maturity no 500 0.850 1.000 1.050 1.100 1.250 -
Bk Nova Scotia Mtg. Corp Annually At maturity no 500 0.850 1.000 1.050 1.100 1.250 -
CIBC Annually At maturity no 500 0.550 0.650 0.850 1.050 1.250 -
CIBC Annually At maturity yes 500 0.300 0.400 0.600 - - -
Canada Life Annually At maturity yes 75,000 0.950 1.000 1.250 1.450 1.600 1.750
Canada Life Annually At maturity yes 25,000 0.950 1.000 1.250 1.450 1.600 1.750
Canada Life Annually At maturity yes 1,000 0.950 1.000 1.250 1.450 1.600 1.750
Canadian Western Bank Annually At maturity no 500 1.510 2.000 2.150 2.210 2.510 -
Canadian Western Trust Annually At maturity no 5,000 1.450 1.850 2.050 2.160 2.450 -
Coast Capital Savings Annually At maturity no 1,000 1.200 1.300 1.750 1.600 2.000 -
Community Trust Annually At maturity no 50,000 2.200 2.300 2.350 2.350 2.400 -
Community Trust Annually At maturity no 1,000 2.100 2.200 2.250 2.250 2.300 -
Comtech Credit Union Annually At maturity no 200,000 1.750 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 100,000 1.750 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 50,000 1.750 1.650 1.750 2.150 2.250 -
Comtech Credit Union Annually At maturity no 1,000 1.750 1.650 1.750 2.150 2.250 -
Desjardins - Caisses Annually At maturity no 500 0.900 1.100 1.150 1.300 1.550 -
Desjardins - Fiducie Annually At maturity no 500 0.900 1.100 1.150 1.300 1.550 -
Effort Trust Annually At maturity no 1,000 2.200 2.400 2.450 2.500 2.550 -
Empire Life Annually At maturity yes 50,000 1.025 1.375 1.475 1.675 2.175 1.725
Empire Life Annually At maturity yes 100,000 1.150 1.500 1.600 1.800 2.300 1.850
Empire Life Annually At maturity yes 500 0.900 1.250 1.350 1.550 2.050 1.600
Entegra Credit Union Annually At maturity no 1,000 1.800 2.000 2.150 2.300 2.450 -
Equitable Life Annually At maturity yes 500 1.000 1.650 1.800 1.800 2.150 -
Equitable Life Annually At maturity yes 25,000 1.000 1.650 1.800 1.800 2.150 -
Equitable Life Annually At maturity yes 50,000 1.000 1.650 1.800 1.800 2.150 -
First Calgary Financial Annually At maturity no 500 1.000 1.600 1.750 1.850 2.100 -
FirstOntario Credit Un. Annually At maturity no 500 2.000 2.100 2.200 2.350 2.500 -
Great-West Life Annually At maturity no 500 0.950 1.000 1.250 1.450 1.600 1.750
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Term deposits are investment products that offer a guaranteed rate of return for a pre-defined time period. The applicable interest rate varies according to the term of investment, the amount of money invested, the treatment of interest and whether or not the investment is redeemed prior to maturity. Term deposits are also known as GICs (Guaranteed Investment Certificates), or Accumulation Annuities when issued by an insurance company. These investments are registered for tax purposes as an RSP (retirement savings plan).

Prepared by Cannex on August 19, 2017

This information is current as of the date and time posted and is subject to change without notice.

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